Running your own business can be tough. From finding new clients through to managing staff and paying the bills, life as a business owner can be pretty stressful at times. 

So the last thing you need is to encounter even more stress and hassle when you’re trying to get a mortgage or remortgage.

But here’s the unfortunate truth about being a business owner. Even though you probably earn more than they do, you’ll almost certainly find it harder to get approved for a mortgage than your own employees will.

That’s because banks are more cautious when it comes to granting mortgages to company directors and other business owners. They know that your income is liable to fluctuate more than it would if you were somebody else’s full-time employee. And, if you’ve done the sensible thing and structured your finances in a tax-efficient way, it can be harder to prove that you earn enough to be able to afford the mortgage you want.

This is why it makes sense to get some free mortgage advice from an expert mortgage adviser who understands how to properly assess your income (not all of them do) and present your case to a lender in the correct way.

We’ve got access to thousands of different mortgages and remortgages, including ones from niche lenders and private banks that other brokers can’t deal with. That means you get a better choice of rates and more chance of being accepted for your new mortgage, even if you’re a company director.

To find out how much you could borrow or how much we could save you on your current mortgage, fill in our one-minute enquiry form.